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Overview / Commentary
918-623-1551
402 West Broadway
Okemah, OK 74859

The Citizens State Bank is headquartered in Okemah and is the 94th largest bank in the state of Oklahoma. It is also the 3,258th largest bank in the nation. It was established in 1908 and as of June of 2017, it had grown to 253 employees at 2 locations. The Citizens State Bank has a D health rating.

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The Citizens State Bank has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #419
Year Established1908
Employees253
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-19.51%
Return on Equity - YTD-154.41%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$172.9MM$304.0MM
LoansQ2 2017vs Q2 2016$126.4MM$273.9MM
DepositsQ2 2017vs Q2 2016$141.8MM$260.3MM
Equity CapitalQ2 2017vs Q2 2016$14.4MM$34.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$4.3MM$440.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.1MM$2.2MM
Real Estate OwnedQ2 2017vs Q2 2016$179.00K$22.00K
Rates
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The Citizens State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-Savings

The Citizens State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25k-Super Now Account
0.10%$2,500-Now Account

The Citizens State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%$2,500-60 Month CD
1.36%$2,500-48 Month CD
1.26%$2,500-36 Month CD
1.00%$2,500-24 Month CD
0.65%$2,500-12 Month CD
0.55%$2,500-182 Day CD
0.20%$2,500-90 Day CD
Locations


The Citizens State Bank Locations
Paden Branch402 West 9th StreetPaden, OK 74860
The Citizens State Bank404 West BroadwayOkemah, OK 74859